ONE COMMUNITY
Charter #12143 · Parkersburg, WV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.67% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.55% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 48th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ONE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.77M | 1th pct | 21th pct |
| Members | 8,348 | 21th pct | 30th pct |
| Net worth ratio | 10.63% | 37th pct | 46th pct |
| Return on average assets | 0.38% | 28th pct | 41th pct |
| Net interest margin | 4.67% | 93th pct | 82th pct |
| Cost of funds | 0.55% | 21th pct | 13th pct |
| Loan-to-share | 80.65% | 69th pct | 48th pct |
| Delinquency 60+ days | 0.86% | 69th pct | 64th pct |
| Net charge-off ratio | 0.48% | 63th pct | 48th pct |
| Loan growth YoY | -3.02% | 17th pct | 26th pct |
| Share growth YoY | -6.40% | 1th pct | 3th pct |
| Efficiency ratio | 78.65% | 50th pct | 46th pct |
structural peer set hash: 091f1203a9b27c1301ec8aab714b0df4… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.